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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Great credit card

I've had this credit card awhile now and it's so easy to check on your spending with the online app, easy to make payments and customer service is great and they get back to you quickly if you have a problem Reviewed on: 11th April 2023

Trust

I was in a iva for no fault of mine . After 5 years of not being able to get any kind of finance zopa helped me . I don't actually need any help but it's always good to have a back up and they trust me to pay anything back that I have had and that goes a long long way 10/10 for Zopa Reviewed on: 11th April 2023

Great service always

I have been with Zopa for a year now , no complaints ! Reviewed on: 11th April 2023

Thanks

After coming out of a 5year IVA I needed to start building my score again. Main stream lenders wouldn’t touch me, understandably but Zopa did! Helped with rebuilding my score for future years. Easy application and easy to see app Reviewed on: 11th April 2023

Zopa handle all payments by direct debit

Always informed about paydays so you do t forget Hassle free Reviewed on: 11th April 2023

Amazing friendly efficient

What a lovely friendly company always happy to help and always do so efficiently and professionally thank you Reviewed on: 11th April 2023

Friendly ,helpful

This company is amazing helpful ,friendly easy to use . And keeps you up to date . Thank you zopa Reviewed on: 11th April 2023

Fair

Definitely don’t give you beyond your means. Easy to use. Very good Reviewed on: 11th April 2023

Helped me prove myself

All good services easy app an let me prove myself too them thank you Zopa Reviewed on: 11th April 2023

Great

Great card low apr not had any problems with any tranaction Reviewed on: 11th April 2023

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